World, the digital identity and cryptocurrency project co-founded by Sam Altman, has launched World Money, a self-custodial financial app designed to let users hold, send, trade and earn from digital assets.
The app is beginning its rollout across more than 150 countries, although available features and eligibility vary by location.
What is World Money?
World Money brings several financial features into one app, including stablecoin balances, digital asset transfers, trading, earning and virtual accounts.
Users can hold US dollar and local-currency stablecoins, with support for balances across eight currencies. The app also provides portfolio tracking, transaction history and price alerts.
Users can send supported digital assets, including Worldcoin (WLD) and stablecoins, to other people using their World username. World says these transfers can be made across borders, subject to availability in each country.
The app also has an Earn section where users can deposit eligible assets, including WLD and stablecoins, into programs powered by Morpho to earn rewards.
Its Trade section allows users to buy and sell supported digital assets through integrated third-party services. The app can also provide access to Mini Apps, including services from Kalshi, Credit and Morpho.
Stripe integration
World Money is also integrating Stripe to make it easier for users to fund their wallets. The initial Stripe integration is available in the US and allows users to use Apple Pay to add funds and convert them into supported stablecoins. World says the stablecoins typically arrive in the wallet within minutes.
In supported markets, users can also receive funds through personal virtual accounts powered by Bridge.
The app supports buying, depositing and withdrawing local stablecoins, although bank transfers and cash-out options depend on the user’s country and available third-party providers.
World ID connects identity and finance
World Money is also connected to World ID, the identity system developed by the World ecosystem to verify that an account belongs to a unique human.
Users who verify their identity at an Orb can unlock certain benefits, including boosted rewards on eligible Earn programs. Existing World App or World ID users can carry their verification and credentials into World Money.
World has now separated its identity and financial products into two dedicated apps. World ID handles identity verification and credentials, while World Money focuses on payments, digital assets and other financial features.
World Money is not a bank
World said World Money is not a bank. The assets held in the app, including stablecoins, are digital assets rather than bank deposits and are not insured by the FDIC, deposit guarantee schemes or other government agencies.
World also warns that its Earn programs involve risk and that rewards and yields can change.
With World Money, World is expanding its ecosystem beyond digital identity and its WLD token to provide a broader financial application built around stablecoins, self-custody and verified users.
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